401(k) Contribution Calculator
See your contribution, your employer's match, and where your balance lands — and whether you're leaving free money on the table.
Example: 100% up to 3%, then 50% on the next 2% — total possible match of 4% of salary.
Balance growth by source
Your contributions, employer match, and investment growth, stacked year by year.
Methodology & how to use this
Tiered match formulas
Most employer matches are tiered — a common shape is "100% up to 3%, then 50% on the next 2%," which caps at 4% of salary in employer dollars. Your plan documents will say exactly how it's structured.
What we assume
Contributions are made monthly, returns compound monthly, and salary/match stay constant. We don't model raises, IRS annual contribution limits (check irs.gov for the current year's limit), or Roth vs traditional tax treatment.
Keep running the numbers
Related calculators worth pairing with this one.
Retirement Savings Calculator
Project your nest egg and your sustainable annual income at retirement.
OpenRoth vs Traditional Calculator
After-tax value both ways — which wins for your tax situation, and by how much.
Open
Compound Growth Calculator
See what regular contributions plus time can actually do.
Open